Need an appraisal in Kenduskeag or Penobscot County?

See the top 7 reasons why ME homeowners call on Julie Byers:

  1. Pre-listing appraisals (whether they're selling the home on their own or using an agent)
  2. Challenge a property tax assessment
  3. Remove PMI to cut your mortgage payment
  4. To reinstate their Home Equity Line of Credit (or HELOC)
  5. Verify another appraiser's report
  6. In the case of a ME divorce, where real estate needs to be divided
  7. To settle an estate in ME by determining the true market value of real estate in question

Own a house in or near Kenduskeag, ME and need help determining the price of it?
Contact Julie Byers.

We at Julie Byers understand the unique needs of a homeowner in need of appraisal services. Our typical business clients are used to the appraisal process and the customary documents we provide. Being a regular homeowner that probably doesn't see an appraisal on a regular basis,you will receive extra guidance and explanations through the appraisal process to understand what we do and how we document the results of our analysis.

Pre-listing Services/For Sale By Owner

Since you have an emotional attachment to your own home, it's often very hard to be objective about it. The professional appraisers at Julie Byers will tell you what you need to know -- not just what you want to hear. We are objective. A professional appraisal is a very valuable negotiating tool once you have a potential buyer, in addition to helping you set a realistic price to sell at so your property will attract interested buyers. It gives you something tangible to show your buyer. An appraisal is an independent third party's opinion of your home's value -- not just how much your house is worth. Interested buyers know that you have an emotional attachment to your home and will be much more likely to give credibility to an expert appraiser's value conclusion than yours.

Need to cancel PMI?

A preferred way to cut costs for homeowners is to get the PMI eliminated from their mortgage loan, thus saving them money on their monthly payments. PMI stands for "Private Mortgage Insurance". Your monthly payments will go down once your mortgage loan is less than 80% of the value of your home. In most cases you can apply to the lender to have the PMI canceled from your loan. Julie Byers is experienced in helping homeowners just like you remove unwanted and unneeded PMI insurance.

Challenge Tax Assessment

If you live in an area that is declining or is not appreciating as much as other properties close by, your local tax assessor may have your house overvalued. That means you're paying more taxes than you should. The quicker you take care of things like this, the better off you'll be, since your property assessment may likely go up again in the next period. When contesting your property tax assessment, getting a professional appraisal from Julie Byers is your #1 weapon.

Was your HELOC recently frozen?

If your property is in or near a declining area, your lender may just make the decision to automatically freeze your home equity line of credit (HELOC) - even if your specific property has not declined in value. This can be be damaging to your credit score since it may appear as though that credit line is maxed out, and also difficult from a cash flow standpoint. Julie Byers can help you reinstate your home equity line of credit with efficient appraisal.

We Provide Field and Desktop Appraisal Review Services

Have you just been handed a copy of your appraisal and you'd prefer to have a seasoned expert double-check it for efficiency or do you want a second opinion without the added expense and delay of waiting for a whole new appraisal? In a field review we will go out and check the subject and comparables. If you're in a hurry, we'll provide you with a desk review and verify as many facts as we can using online data sources as well as our own files.

Do you need a retrospective review of an appraisal report? Julie Byers can help with that too. Even though this is typically requested by banks, you may need to employ this service if you suspect mortgage fraud related to your home.